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1065 Andrew Drive, West Chester, PA 19380

4842825267
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It’s a process,
not a product.


Unlike some in the financial industry, we don’t have some mythical algorithm or suite of products we attempt to sell you. We offer a disciplined approach rooted in science and evidence where we partner together to continually craft and seek to optimize your wealth strategy.

Insightful & Experienced

1. We build and manage personalized portfolios designed to deliver financial independence and enhanced growth for individuals and families.

2. These personalized portfolio combine your policy preferences, and may include cash flow protection strategies, tax efficient growth strategies as well as prudent allocations to private markets.

3. We provide a higher level of insight and an institutional perspective to help you achieve attractive, stable investment returns over the long-term. We have decades of experience advising multibillion-dollar institutions and individual investors.

Policy Based Portfolios

What is a policy based portfolio? A policy based portfolios help you focus on the key decisions for your success - risk allocation asset class section, active risk policy and implementation policy. Everybody makes these decisions whether they know it or not. We make it explicit and disciplined. There are many possible portfolio policies to attain your goals. We help you discern which ones are most appropriate for you. The result is a portfolio that empowers you with increased confidence, clarity and control.

Regional Bias: US or global oriented approach

Real Assets : Portfolios with and without real assets.

Passive or Active: Implement with low cost ETFs or seek outperformance

Strategic or Risk Managed Asset Allocation

Personalized Indexing™
Get more out of your equities.

For certain investors seeking tax efficiency, enhanced growth potential, and control, we build a custom portfolio of individual U.S. stocks.

Tax efficient

tax-loss harvest individual stocks

Enhanced growth potential

Custom indexes may improved returns and reduced risk

Invest your values

custom, socially responsible investing

Goal Protection with Inflation Bond Ladders™

Pursue the growth you want with the cashflow security you need. For investors that have financial obligations they need to meet, we protect their planned withdrawals first and then seek growth. This intelligent strategy dynamically rebalances to seek growth while targeting increased security over time.

Uniquely Customized to Your Plan

Protection that provides peace of mind

Inflation protected and highly liquid.

Complimentary Portfolio Review

Over the years, we have come to appreciate that strong diversification, low fees and tax-efficient strategies form the basic building blocks of a solid investment program. Unfortunately, most financial advisors recommend portfolios that are poorly diversified, expensive and/or tax inefficient in our view.

What to expect?
Based on a review of your financial holdings, risk assessment, and investment objectives, we will conduct a substantive review of your portfolio and provide an analysis via Zoom or in-person that includes:

Portfolio Review Components
• Your overall allocation and how it may or may not meet your long-term financial needs
•Recent performance of your assets and overall allocation vs. benchmark returns
•Advisory fees and hidden/less obvious commissions, spreads and fee-inefficient holdings
• Any tax inefficiencies within your holdings
•Our recommendation designed to optimize risk, return and cost-efficiency


Schedule Your Portfolio Review

Goal Connected

Our portfolios are connected to your goals. If you have 'won' the game, why keep playing. Likewise, higher risk portfolio may result in attaining more desired goals.

Risk Managed

We seek to minimize the risk of not attaining your goals. This relates to our planning process and our investment process.

Cost Effective

We build portfolios using low-cost funds. This helps to improve the success rate of our client's retirement plans and reduce unnecessary risk.

Portfolios are diversified using alternatives such as commodities, real estate investment trusts, and hedge fund strategies. In some cases, specific securities are selected (such as dividend stocks). Market sectors might be over- or underweighted to better match the pre-existing risk profile of the client. Portfolios are tactically rebalanced at the margins based upon various economic factors, such as those discussed in Antti Ilmanen’s Expected Returns.

Finally, fixed income investments are added to dampen portfolio volatility to the desired level.

No investment strategy is always in favor. Our clients are long-term investors who seek to harvest the returns accruing to these academically-based approaches over the market cycles. They are encouraged to stay the course during the inevitable periods of underperformance, the better to avoid the fate of investors who become impatient during such times.

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